Are banks open on Midsummer Eve, or will the money move from one bank to another on Independence Day? What is the easiest way to do banking if you can’t visit a bank branch? We collected information on bank opening hours and alternative service channels!
According to the Bank of Finland, bank branches are generally open between 9:15 and 4:15 pm on weekdays, but in practice the opening hours are office-specific and have a surprisingly wide variation. The opening hours of your branch are best explained on the bank’s website. It is also worth remembering that often an appointment at the office can provide customer service outside the official opening hours.
In addition to traditional office visits, more and more banks nowadays offer the opportunity to handle banking through online conferencing. Currently, the online conference is successfully negotiated with Osuuspankki, Nordea, Aktia, S-Bank and Danske Bank. In most cases, web conferencing can be organized outside of official opening hours.
Exceptions to opening hours
Although opening hours are predominantly branch-specific, there are also universal exceptions to bank opening hours.
Banks are not open and money transfers between banks do not move on the following days:
- New Year’s day
- Good friday
- 2. Easter day
- first of May
- Christmas day
- Boxing day
Banks are not open, but money transfers between banks move on the following days:
- Ascension Day
- Midsummer’s Eve
- Independence Day
- Christmas Eve
Banks are open for a shorter period of time:
- fast thursday (until 1 pm)
- on New Year’s Eve (until 1 pm)
Banks may operate during reduced business hours:
- on eve of easter and friday after friday
- on the Friday before Holy Day
- on Independence Day
- at Christmas (e.g., December 22 – 27)
- on Epiphany Eve
In addition, some bank branches may be completely closed for some time during the summer, typically in July. Some offices are open during the summer with reduced opening hours.
Call or ask on FameFace
Banks’ websites are available to customers 24 hours a day, 7 days a year, but you can always find all the information on the web but need the help of a customer service representative. Due to the relatively limited opening hours of bank branches, you may not always have access to the bank after the business day.
One option, of course, is to call the bank and try to get it done over the phone. In addition to calling, bank chat and social media can help with general issues and questions.
In addition to dexterity, telephone service and social media channels also have the benefit of opening hours, which are often much larger than those of offices. In fact, Nordea customers have a 24-hour telephone service, which is open every day of the year.
Social media channels are not really meant for personal banking but for solving general problems.
“Banks’ customer services on FameFace, Twitter and chat are meant to be quick and easy ways to get things done. However, it should be noted that social media messaging does not require identification with banking services. Therefore, for security reasons, these services do not handle personal banking and monetary affairs, as does email. Only online banking can send secure messages to the bank, ”recalls Lauri Timgren, CEO of Jacob Marley.
The card lock service is always open
Although banks have limited opening hours, card locking services and other emergency numbers are open 24 hours a day, 7 days a week. It is a good idea to remember to save the card lock number on your mobile phone so that you can close the card in the event of a loss.
Not everything in the office can be obtained
Although a bank branch offers quite a variety of services, it is worth remembering that each bank only sells and markets its own products and may not be the most suitable for your particular situation. So, for example, loan comparisons and tendering must be done to find the most favorable loan on the market. Also, compare the prices and features of your credit cards to find the one that suits you best.
In addition to loans and credit cards, there are surprisingly large differences in bank service charges and, for example, savings account rates , so it’s a good idea to compare all banking services to find the best fit.
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